For over 50 years, CEFCU has been a trusted partner in homeownership, helping generations of members buy, build, improve, and protect the places they call home. From First-Time Mortgages to Home Equity solutions that unlock a home’s potential, CEFCU has been there for life’s biggest milestones — and the moments in between.

What started over five decades ago as a commitment to affordable, member-focused home financing, has grown into a full suite of home-related products and services designed to meet members wherever they are in their journey.

Whether you’re buying or building a home, refinancing, are a first-time homebuyer, or upsizing or downsizing, CEFCU has the perfect loan for you. Competitive rates, lower fees, local, personal service — you can count on CEFCU to make you comfortable every step of the way. Some offerings include:

  • Smart Lock*, which locks in your rate, for free, for 90 days while you shop for and buy a home.
  • First-time homebuyer** options: CEFCU will pay select third-party closing fees on Mortgages for first-time homebuyers or those who haven’t owned a home for the last three years.
  • Refinance options: Lower your payment, reduce your rate, obtain cash-out, or refinance from another lender.
  • Construction options: Build your Dream Home with help from CEFCU.

In 2022, CEFCU expanded its Home Equity offerings with the Hybrid Home Equity Line of Credit (HELOC), which combines the features of a Home Equity Line of Credit and the peace of mind of a fixed-rate Home Equity Loan. The best of both worlds in one smart loan. Use the value in your home for those much-needed home repairs, major purchases — and more. Lock in a fixed rate on a portion of your line to keep your payment just that… fixed***. Plus, have easy access to your Home Equity funds through CEFCU On-Line® and Mobile Banking. What’s not to love? Learn more at cefcu.com/equity.

As CEFCU celebrates over 50 years of offering Home Loans and Home Equity solutions, the focus remains the same: helping members build stability, comfort, and confidence — one home at a time. Learn more at cefcu.com/myhome.

CEFCU NMLS ID #407798

*Smart Lock is available for Mortgages used for the purchase of a primary or secondary residence. No upfront fee. Once you find a home, a $350 application fee will be collected and credited toward your closing costs.

**Offer available for a limited time for qualified members in good standing who use a CEFCU Checking account and are purchasing or building their first home or haven't owned a home in the last three years. Select, third-party fees paid by CEFCU include: Appraisal, credit report, flood determination, tax service fee, title company closing fee, and recording fee. Fees CEFCU will not cover and which must be paid include, but are not limited to: Taxes, private mortgage insurance (PMI), prepaid mortgage interest and/or insurance costs, jumbo or discount points, attorney or title company fees not listed above, any interest rate relock fees. Offer is not available for loans used to purchase a second home, investment home, or non-owner-occupied home or to refinance or modify an existing loan. Contact CEFCU for complete details.

*** See CEFCU fixed interest rate term loan options for more details.